If you are in serious home debt then you need to visit these websites to find out if you can get help. Visit both to see if your mortgage is owned by one of these companies. You may be entitled to refinance or modify your home loan.

UPDATE: Well, I checked into our home and it is owned by one of these companies but we have not lost enough value to be able to refinance or modif our loan. Now is your chance to refi especially if your home is over 31% of your income or if your home has lost more value than what your first mortgage is worth. Take the time to check into these possible methods to save some real cash.